ICICI Lombard Complete Health Insurance Policy

ICICI Lombard Complete Health Insurance is a comprehensive plan designed to protect you and your family against expenses incurred in case of hospitalization. This health insurance policy can be customized to suit your requirements and budget.

Key Benefits

Flexibility to choose from a wide range of options on premium, plan and Sum Insured ranging from Rs.2 Lac to Rs.10 Lacs

Guaranteed lifelong renewability

No restriction on Maximum entry age

Option to choose sub-limit and modify premium*

Option of choosing 1 or 2 year policy period as per plans offered

Discount of 10% on a 2 year policy

Pre- Existing illness covered after two / four years depending on the plan chosen

Choice of add-on covers available along with Hospitalisation cover like Critical Illness, Donor Expenses, Hospital Daily Cash and Convalescence Benefit

Cashless claims facility at over 4000+ network hospitals across India(Simply use your Health ID Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.)

Continue to enjoy quality service even during claim settlements with our own in-house health claim processing and wellness team

No co-payments for any disease or any hospitalization expenses (Co-payment means a certain percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20 % on hospitalization expenses taken in a non-network hospital, which means if the insured claims for Rs. 1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.)

Policy Exclusions

What is not covered

Exclusions valid for the first 30 Days

Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals

Exclusions valid for the first 2 Years

Treatment of the following diseases/illness/ailments:

Cataract*

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fissures & / or Fistula in Anus, hemorrhoids/Piles

Arthritis, Gout, Rheumatism and spinal disorders

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage, Endometriosis

All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal erosions & ulcers

Deviated Nasal Septum

Varicose Veins/Varicose Ulcers

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years** onwards, subject to continuous renewal of the policy with us. *Any claim for Cataract treatment shall not exceed Rs 20,000 per eye, during each Policy Year after 2 years from the Policy start date**4 years for Sum Insured 2 lacs

Permanent exclusions

Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, Rs. 4 Lac, Rs. 5 Lac, Rs. 7 Lac, Rs. 10 Lac and for 4 consecutive years for sum insured of Rs. 2 lacss

Disclaimer"The webpage contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Insurance is the subject matter of solicitation. "ICICI Bank Limited ("Bank") with registered office at Landmark,Race Course Circle, Vadodra 390 007 is licensed as a IRDA Corporate Agency Registration No. CA0112 of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Bank Towers,Bandra-Kurla Complex,Mumbai 400051. The contract of insurance is with ICICI Lombard General Insurance Company Limited who are liable for all valid claims on the policy. Bank's customers participation in the policy is entirely voluntary." "IRDA Corporate Agency Registration No. CA0112."